Double Your Miles, Double Your Rewards: Why Earning as a Couple Is the Ultimate Hack

How to Supercharge Your Travel Rewards as a Power Couple

I seen this too many time when it comes to credit card miles—only one person is doing all the work. Usually, it’s the husband obsessing over sign-up bonuses, miles strategies, and the latest promotions, while the wife is the “sleeping partner,” passively using a random cashback card.

But here’s the truth: if only one person is playing the game, you’re leaving thousands of miles (and free business class flights) on the table. So, is it enough for just one partner to chase miles, or should this be a tag-team effort? Let’s break it down.

1️⃣ Double the Signup Bonuses = Faster Free Flights

Most banks offer lucrative welcome bonuses, but each person is eligible separately. By applying as a couple, you can double the miles earned from sign-up bonuses.

Since most sign-up bonuses (SUB) require a minimum spend, plan your applications strategically to ensure you can meet the spend requirement without overspending.

2️⃣ Double your monthly bonus caps

Many cards cap bonus miles at a certain spending amount (e.g., UOB PPV earns 4 mpd on up to S$1,100 per month). By having two of the same card, you double the cap and can earn more bonus miles each month. Even if you feel that "we don’t need such a high cap," it’s always good to have more flexibility for months when you spend more or have big-ticket purchases.

3️⃣ Cover More Categories, Maximize Every Dollar

Some cards, like UOB Lady’s and UOB Lady’s Solitaire, let you choose one or two bonus categories for accelerated miles.

• If you and your partner choose the same category (e.g., travel), you effectively double the cap.

• Alternatively, you can select different categories to maximize miles across more types of expenses.

4️⃣ Maximize Churning with New-to-Bank Status

Most banks require a 12-month waiting period before you are considered a “new-to-bank” customer again and eligible for sign-up bonuses. By churning as a couple, one of you can always have a card to spend on while the other waits for their reset period. This way, you keep the miles flowing while continuously earning welcome bonuses.

5️⃣One card, but benefits for two

Some premium cards, like Citi Prestige, offer unlimited Priority Pass lounge access for the cardholder plus one guest. In line with the churning strategy, one partner can hold the Citi Prestige and enjoy lounge access while the other is waiting for their reset period. Twelve months later, you swap roles, ensuring continuous lounge access while still maximizing new card sign-ups bonuses.

6️⃣ Referral Bonuses = Even More Free Miles

Many banks offer referral bonuses when you refer a new cardholder. And who’s the easiest person to refer? Your partner.

7️⃣ Someone to Enjoy the Rewards With!

What’s the point of hacking your way to business class, luxury hotels, and premium travel perks if you’re flying solo?

By earning miles together, you reach redemptions faster and enjoy the perks—lounge access, hotel upgrades, and business class flights—as a couple.

💡 Final Verdict: One-Man Show or Power Couple?

If only one person in the relationship is playing the miles game, you’re missing out on double the rewards, double the benefits, and a much faster route to free travel.

So don’t let your partner sit on the sidelines—start playing the miles game as a team, and watch your miles skyrocket. 🚀✈️

Are you earning miles as a couple or solo? Let me know in the comments or vote in the poll!

Enjoyed this article? Find more tips to accelerate your miles game! ✈️💳

📌 Beginner’s Guide: How should I start my miles journey?

📌 My 2025 Credit Card Strategy for Maximizing Miles 

📌 2025 Beginner’s Guide: The Best 4-6 mpd Credit Cards in Singapore

📌 How much is a KrisFlyer mile worth in 2025? 

📌 Fly to Bali for Free? The Stopover Trick That Gets You 2 Flights for the Price of 1!

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Survey: Couple or Solo

Couple or Solo

• Couple
• Solo

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